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With interest rates ticking upward in 2018 and the prospect of further rate increases to come, the era of historically-low mortgage rates may be ending. While many homeowners…

This framing paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard…

Residential segregation by race and ethnicity is a longstanding challenge in the United States, with the racial and economic geography of communities throughout the nation…

Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…

UCC08-17: In this paper, I review the trajectory of consumer credit reforms in France and the United Kingdom. Through a period of significant regulatory reform intended…

BABC 04-8: This paper explores the shift of residential mortgage lending from a system where credit was rationed to prime quality borrowers to a system where subprime…

W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…

Much of homeownership research and policy focuses on financial or information barriers that might frustrate low-income renter households from buying a home. Given existing…

W99-7: This paper provides a step-by-step approach to understanding and estimating the economic benefits of helping lower-income households buy and own their first home…